Interest rates

Growth and upView as Markdown

Estimated market APR for each credit tier (published tier averages moved by the change in the Federal Reserve G.19 benchmark since), average credit-union and bank rates, and the manufacturer's financing offers for the model, nearest the ZIP first. With creditScore, apr is the estimate for that score.

GEThttps://api.motorsdynamic.com/api/v2/apr/{vin}

Plan and price

Plan	Access	Price
Free	No	not included
Growth	Yes	$0.005 per call
Scale	Yes	$0.003 per call
Enterprise	Yes	contract

A call is billed when it answers 2xx. See pricing.

Parameters

Name	In	Type	Required	Description
`vin`	path	string	yes	17-character VIN (case-insensitive).
`zip`	query	string	no	5-digit ZIP code of a US state or DC.
`creditScore`	query	integer	no	Credit score; picks the credit tier.
`condition`	query	`new` or `used`	no	Which rate table to read. Default: the listing's condition.

Example request

curl "https://api.motorsdynamic.com/api/v2/apr/1HGCM82633A004352" \
  -H "x-api-key: $MD_API_KEY"

const res = await fetch("https://api.motorsdynamic.com/api/v2/apr/1HGCM82633A004352", {
  headers: { "x-api-key": process.env.MD_API_KEY },
});
if (!res.ok) throw new Error(`${res.status} ${(await res.json()).error}`);
const data = await res.json();
console.log(data);

import os, requests

res = requests.get(
    "https://api.motorsdynamic.com/api/v2/apr/1HGCM82633A004352",
    headers={"x-api-key": os.environ["MD_API_KEY"]},
    timeout=10,
)
res.raise_for_status()
print(res.json())

Response fields

Field	Type	Description
`meta`	object
`meta.default_term_months`	integer
`data`	object
`data.vin`	string
`data.vehicle`	object
`data.vehicle.year`	integer or null
`data.vehicle.make`	string or null
`data.vehicle.model`	string or null
`data.vehicle.trim`	string or null
`data.zip`	string or null
`data.state`	string or null
`data.product`	`new` or `used`
`data.credit_score`	integer or null
`data.apr`	object or null
`data.by_term`	object or null	The estimate for the credit score at each loan term the Fed publishes (months to percent).
`data.tiers[]`	array of object
`data.tiers[].tier`	`super_prime` or `prime` or `near_prime` or `subprime` or `deep_subprime`
`data.tiers[].score_low`	integer
`data.tiers[].score_high`	integer
`data.tiers[].apr`	number	Percent.
`data.tiers[].estimate`	`true`
`data.tiers[].terms`	object
`data.lender_averages[]`	array of object
`data.lender_averages[].lender_type`	`credit_union` or `bank`
`data.lender_averages[].term_months`	integer
`data.lender_averages[].apr`	number
`data.lender_averages[].observed_on`	string
`data.lender_averages[].source`	string
`data.lender_averages[].source_url`	string
`data.manufacturer_offers[]`	array of object
`data.manufacturer_offers[].offer_id`	integer
`data.manufacturer_offers[].title`	string or null
`data.manufacturer_offers[].trims`	array or null	Trims the offer names; null = the whole model.
`data.manufacturer_offers[].apr`	number
`data.manufacturer_offers[].term_months`	integer or null
`data.manufacturer_offers[].geography`	`same_zip` or `same_area` or `same_state` or `other_region` or `not_compared`
`data.manufacturer_offers[].postal_code`	string or null
`data.manufacturer_offers[].end_date`	string or null
`data.manufacturer_offers[].disclaimer`	string or null
`data.manufacturer_offers[].estimate`	`false`
`data.manufacturer_offers[].terms`	object
`data.disclosure`	string

Errors

Status	Code	When
400	`invalid_parameter`	A parameter is missing or malformed. The message names it.
401	`invalid_api_key`	The key is missing, revoked or mistyped.
402	`plan_required`	The endpoint is on a higher plan. The body names the plan and links to the upgrade.
403	`not_entitled`	The key may not read this dealer or source.
404	`not_found`	Nothing matches the identifier in the path.
429	`rate_limited or quota_exceeded`	Slow down (see `Retry-After`), or the Free monthly calls are used up.
503	`error`	See the message.
504	`query_timeout`	The query passed its 4 second budget. Narrow the filters. Not billed.

Every error has the same body. Full list: errors.